Non Run Flats - Inform Insurance Company

Q

Quadracer

Senior member
 Sedgefield, Stockton-on-Tees
I was talking with my local tyre fitters yesterday about changing the tyres and he informed me, that insurance assessors now have on their list of checks in the event of an expensive claim, to check if the tyres fitted have been changed to non run flats, on cars which are supposed to have them.
Not sure if this was true. I rang my insurance and they checked and told me to ring back if i change them and they would put a note on the system at no extra cost.
If you have changed yours it may be worth the call for piece of mind.
 
Been talked about for years, and something we have always advised is that you tell your insurance company.
 
I asked admiral this year and the girl nearly laughed at me! She said choose any tyres you want
 
Liam-O said:
I asked admiral this year and the girl nearly laughed at me! She said choose any tyres you want
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When I informed Classicline that I had got the CSL's they asked me what tyres were fitted, you know insurance companies will do anything to get out of paying out so its best to tell them IMO :thumbsup:
 
Insurance companies can vary but I've heard of them refusing claims if they haven't been informed of changing from runflats as its a non factory modification. They could legitically refuse a claim as the safety of the car has been compromised, banal as it sounds.

Tim.
 
I manage Motor Claims for a large UK Insurer and can confirm that Tim is spot on in what he says. Insurers vary, with some having a reputation for refusing claims if any modification is made from the Manufacturers standard as that is part of the contract between the insured and the insurance company. Others are far more reasonable and will only reject a claim if a none disclosed modification has had a material affect on the claim. For example some would reject a claim if NRFs are fitted and you hit another car even though this will have had no bearing on the claim. Others will only reject a claim if you have had an accident as a result of a blow out with NRFs on - perfectly reasonable if you have not declared them. Most Insurers simply take a note of the changes with no increase in premiums. Considering how much we pay for insurance I would always recommend you let your insurance company know if you are going to change to NRFs then there can be safe in the knowledge that this will not affect any claim you have to make
 
Admiral were very good about this for me - got a named, e-mail confirmation from them within minutes of calling.
 
I informed Classicline I was having them fitted and they have put it on the system. No extra charge :)
 
Insurance companies are a joke!

The switch from rft to non rft is irrelevant, I can see speed and load ratings being a concern

You dont tell them every time you have diffrent pads and discs fitted

Sent from my GT-I9300 using Tapatalk 2
 
sam1832 said:
Insurance companies are a joke!

The switch from rft to non rft is irrelevant, I can see speed and load ratings being a concern

You dont tell them every time you have diffrent pads and discs fitted

Sent from my GT-I9300 using Tapatalk 2
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The point with run flats is that in the event of a blow out the car has more chance of control being retained so less chance of an accident. An insurance company could easily use this as a get out if they believe the blowout caused the accident.
 
whats next? do we need to ring up and inform insurance companies that we've bought new number plates that don't have the original bmw dealers name on?

do we phone up when we don't use OEM parts such as brake pads/discs? it's a non factory modification after all.
 
ben g said:
whats next? do we need to ring up and inform insurance companies that we've bought new number plates that don't have the original bmw dealers name on?

do we phone up when we don't use OEM parts such as brake pads/discs? it's a non factory modification after all.
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I'd like to think they won't be so an@l and before Xmas phoned up both the Co who insure the Zed & the AUDI over winter wheels, saying I was fitting winter tyres.

Query I got in both cases was were they OEM wheels & was the rolling circumference the same (ie) wouldn't affect the speedo. Both made a note & said would not affect my insurance whatsoever
 
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